Cheapest Auto Insurance in Gainesville, Georgia (2024)
Auto-Owners offers the cheapest car insurance in Gainesville, with minimum-coverage policies as low as $52 per month.
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Written byNick Dauk
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6+ years writing about insurance, travel, and personal finances
Contributor to brands like Credible
In addition to insurance, Nick specializes in writing about business, entrepreneurship, personal finance, and travel. He’s been featured in myriad web publications, including Fox Business.
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Edited byCourtney Mikulski
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Courtney MikulskiSenior Editor, Auto
3+ years producing insurance and personal finance content
Main architect of the Insurify Quality Score
Courtney’s deep personal finance knowledge extends beyond insurance to credit cards, consumer lending, and banking. She thrives on creating actionable content.
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Updated November 20, 2024
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Table of contents
Located north of Atlanta, Gainesville has an overall average monthly car insurance cost of $178. Not to be confused with the city of the same name in Florida, Gainesville, Georgia, is a smaller town off of Interstate 985 with a population of fewer than 50,000 people.
Despite having few residents, Gainesville car insurance costs are cheaper than the state average of $198 and more expensive than the national average of $154. However, drivers in the area may find the cheapest car insurance rates with companies like Auto-Owners, COUNTRY Financial, and State Farm. Comparing car insurance rates can help you find the best coverage at the right price for you.
Quick Facts
Auto-Owners, State Farm, and COUNTRY Financial are the cheapest insurers in Gainesville.
New Georgia legislation closes a loophole insurers used to increase rates by as much as 25% per rate filing.
Gainesville has cheaper average rates than nearby Atlanta and Stone Mountain.
3 of the cheapest car insurance companies in Gainesville
The best way to find the cheapest car insurance in Gainesville is to identify the insurer that can meet your insurance needs as well as your budget. Insurers take various factors into account when deciding on rates, including age, location, vehicle, credit history, and driving record. Consider comparing prices with insurers like Auto-Owners, State Farm, and COUNTRY Financial, all of which have affordable rates.
Insurance Company ▲▼ | IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. ▲▼ | Full Coverage ▲▼ | Liability Only ▲▼ | Best For ▲▼ |
|---|---|---|---|---|
| Auto-Owners | 8.5 | $93 | $58 | Liability-only coverage |
| State Farm | 9.3 | $100 | $63 | Families |
| COUNTRY Financial | 8.8 | $101 | $63 | Bundling |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Our editorial team spent more than 350 hours developing the Insurify Quality (IQ) Score and scoring insurance companies. The IQ Score objectively analyzes and calculates a score for insurers using more than 15 crucial criteria. The team weighted criteria by importance to the consumer — factors such as customer reviews and affordability influence the score more than availability and third-party ratings.
We rate each company on a 1 to 10 scale based on five categories: financial ratings, customer satisfaction, affordability, customer support and transparency, and availability. Insurify updates ratings once a year or as more recent information becomes available.
- Third-party financial ratings: Insurify uses data from AM Best, S&P, Moody’s, and more to compare insurance companies’ credit and ability to pay out future claims.
- Customer satisfaction: To calculate this score, Insurify analyzed more than 28,000 customer reviews across 155 car insurance companies. We also consider third-party ratings from J.D. Power, the National Association of Insurance Commissioners, and Trustpilot.
- Affordability: Our data scientists analyzed more than 90 million real-time auto insurance rates from our partners across the U.S., as well as available discounts, to calculate an affordability score.
- Customer support and transparency: This measures coverage options, ease of claims filing, and the insurer's transparency surrounding discounts, coverages, and claims process.
- Availability and reach: Insurify scores availability and reach by identifying the number of states in which insurers offer coverage and company size by market share.
Best insurer for liability-only coverage: Auto-Owners
| User Reviews | 4.0 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 8.5 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $52/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $84/mo |
4.0
Best choiceBased on 141 verified guest reviews and ratings
How drivers feel about Auto-Owners
Drivers appreciate the friendly customer service, competitive initial rates, and professional agents but dislike the frequent price increases and complicated claims process.
AI-generated from the text of verified reviews collected by Insurify
Best For
Cheap rates
Senior drivers
Ample discounts
How drivers feel about Auto-Owners
Drivers appreciate the friendly customer service, competitive initial rates, and professional agents but dislike the frequent price increases and complicated claims process.
AI-generated from the text of verified reviews collected by Insurify
Best For
Cheap rates
Senior drivers
Ample discounts
Reviews (89)
Debra
November 3, 2024
Verified Review
Excellent
They keep raising prices.
Scotty
November 2, 2024
Verified Review
They are a bunch of crooks. My policy has increased every single time, and I've only had one small claim.
They are a bunch of crooks. My policy has increased every single time, and I've only had one small claim.
Dana
October 31, 2024
Verified Review
Average
Ask many questions to cover all aspects of the policy.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
837NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.5A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++Why we picked this company
Auto-Owners may only serve half of the country, but drivers in Gainesville can benefit from its presence both in terms of coverage and budget. It offers coverages like roadside assistance, rental car coverage, purchase price guarantee, gap insurance, and more. This insurer uses independent agents, so Gainesville drivers may appreciate the locally based service.
Pros
Lower average rates than competitors
Insurance for classic, modified, and converted cars available
Cons
Online policy purchasing not available
High number of National Association of Insurance Commissioners (NAIC) complaints
Best insurer for families: State Farm
| User Reviews | 4.2 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 9.3 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $56/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $90/mo |
4.2
Best choiceBased on 9036 verified guest reviews and ratings
How drivers feel about State Farm
Drivers appreciate the helpful local agents and initial service but dislike the high prices and frequent rate increases.
AI-generated from the text of verified reviews collected by Insurify
Best For
Customer service
Competitive rates
Discounts for safe drivers
How drivers feel about State Farm
Drivers appreciate the helpful local agents and initial service but dislike the high prices and frequent rate increases.
AI-generated from the text of verified reviews collected by Insurify
Best For
Customer service
Competitive rates
Discounts for safe drivers
Reviews (4,969)
Ronald
November 19, 2024
Verified Review
State Farm Experience: 35 Years+
They are forcing me to replace my house roof or they will cancel my policy.
David
November 19, 2024
Verified Review
Too expensive
It's too expensive. They raise rates every six months, even though I've never filed a claim.
Ronald
November 18, 2024
Verified Review
Very Expensive Auto and Home
Extremely harsh local service.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
842NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.78A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++Why we picked this company
Whether you have young drivers getting comfortable behind the wheel or children attending local colleges, Gainesville drivers with families can benefit from State Farm’s diverse coverage options and discounts. Discounts are available for students both in high school and college. As a national brand, State Farm’s long industry history is well-known, and it holds high standings with AM Best and S&P.
Pros
Discounts available for students
Rideshare insurance available
Cons
Online policy purchasing not available
Gap insurance not available
Best insurer for bundling: COUNTRY Financial
| User Reviews | 3.6 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 8.8 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $57/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $91/mo |
3.6
A solid optionBased on 38 verified guest reviews and ratings
How drivers feel about Country Financial
Drivers appreciate the great customer service and initial low prices but dislike the frequent rate increases and poor roadside assistance.
AI-generated from the text of verified reviews collected by Insurify
Best For
Cheap rates
Good claims process
High customer satisfaction
How drivers feel about Country Financial
Drivers appreciate the great customer service and initial low prices but dislike the frequent rate increases and poor roadside assistance.
AI-generated from the text of verified reviews collected by Insurify
Best For
Cheap rates
Good claims process
High customer satisfaction
Reviews (26)
Chloe
October 19, 2024
Verified Review
Unaffordable Rates That Increase Monthly
Terrible, I wouldn't ever recommend Country Financial to anyone. My policy kept increasing monthly without any explanation, despite not having any new accidents or tickets. They didn't offer many discounts and it became unaffordable very quickly.
James
October 8, 2024
Verified Review
Insurance Cost
The rates are increasing very quickly.
Dayna
September 17, 2024
Verified Review
Goodbye, Country Financial
I had been with Country Financial for over 30 years. However, they raised my auto rate by over $422.00 for a 6-month policy, which was the deal breaker. There was absolutely no reason for it.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
868NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
1.2A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A+Why we picked this company
Some Gainesville drivers need more insurance products than just auto insurance. COUNTRY has an AM Best financial strength rating of A+ (Superior) and a 95-year history, not to mention some of the lowest rates in Gainesville. Drivers can bundle their auto insurance with home insurance, life insurance, or a COUNTRY bank account.
Pros
Plenty of available add-on coverages
Unique discounts
Cons
Rideshare insurance not available in Georgia
Legacy discounts require multiple policies
How to get the cheapest car insurance in Gainesville
From marital status and age to ZIP codes and vehicle type, many factors influence your premium. To potentially lower your monthly bill and find the cheapest car insurance in Gainesville, consider these tips:
Look for discounts. Insurers offer discounts that drivers can take advantage of. Look for companies that have discounts for attending college away from home, taking a defensive driving course, vehicle safety features, paying premiums in full, and more.
Bundle policies. Many insurers have discounts when you buy more than one insurance product from them. For example, you can bundle auto insurance with home insurance, boat insurance, life insurance, renters insurance, and more to save money on both policies.
Improve your credit. Your credit history can affect your car insurance rates, so improve your credit by paying credit cards and loans on time and keeping your credit utilization ratio below 30%.
Cheapest liability-only car insurance in Gainesville: Auto-Owners
If you’re searching for the cheapest car insurance in Gainesville, liability-only policies typically have the lowest rates. Liability-only insurance doesn’t cover your injuries or vehicle damages. Instead, it provides bodily injury and property damage liability insurance that cover the damages and injuries you cause another person in an at-fault accident. Gainesville drivers can find liability-only coverage at an average cost of $142 per month.
Here are the cheapest companies for liability insurance in Gainesville.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Average Monthly Quote ▲▼ |
|---|---|
| Auto-Owners | $52 |
| State Farm | $56 |
| COUNTRY Financial | $57 |
| Allstate | $61 |
| USAA | $66 |
| Mile Auto | $68 |
| Progressive | $82 |
| Safeco | $88 |
| GEICO | $91 |
| Mercury | $99 |
| Clearcover | $116 |
| Liberty Mutual | $128 |
| Nationwide | $135 |
| Direct Auto | $136 |
| GAINSCO | $143 |
| AssuranceAmerica | $153 |
| National General | $165 |
| The General | $197 |
| Infinity | $198 |
| Bristol West | $199 |
| Foremost | $224 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest full-coverage car insurance in Gainesville: Auto-Owners
No matter if you speak to an independent insurance agency or call an insurance agent representing a national brand, you likely won’t receive an industry-standard definition of full-coverage car insurance.
In most cases, full-coverage car insurance includes liability coverage and combines it with coverage options that protect your vehicle, such as collision and comprehensive insurance. It can also include medical payments (MedPay) or personal injury protection (PIP), which cover your medical expenses after an accident, regardless of fault. Drivers in Gainesville pay an average of $214 per month for full-coverage insurance.
Here are Gainesville’s cheapest full-coverage car insurance companies.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Average Monthly Quote ▲▼ |
|---|---|
| Auto-Owners | $84 |
| State Farm | $90 |
| COUNTRY Financial | $91 |
| Allstate | $98 |
| USAA | $105 |
| Mile Auto | $116 |
| Safeco | $137 |
| GEICO | $146 |
| Progressive | $146 |
| Mercury | $162 |
| Clearcover | $208 |
| Nationwide | $218 |
| Liberty Mutual | $227 |
| Direct Auto | $232 |
| National General | $247 |
| AssuranceAmerica | $259 |
| GAINSCO | $283 |
| Foremost | $290 |
| The General | $336 |
| Infinity | $352 |
| Bristol West | $377 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest recent rates near Gainesville, Georgia
Drivers using Insurify have found quotes as cheap as $43/mo for liability only and $67/mo for full coverage in Gainesville and other Georgia cities.
*Quotes generated for Insurify users in and around Gainesville, Georgia within the last 10 days. Last updated on November 20, 2024
Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from November 20, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users in and around Gainesville, Georgia within the last 10 days. Last updated on November 20, 2024
Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from November 20, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.
Car insurance requirements in Georgia
Georgia is an at-fault state, unlike its neighbor Florida, which is a no-fault state. At-fault states require basic types of insurance under their tort systems: bodily injury liability insurance, property damage liability insurance, and sometimes uninsured motorist coverage. Georgia doesn’t require uninsured motorist coverage, but the state recommends it for people concerned about uninsured drivers on the road.
Georgia state law requires that all Gainesville drivers maintain the following minimum levels of auto insurance coverage:[1]
Coverage ▲▼ | Minimum Requirements ▲▼ |
|---|---|
| Bodily injury liability | $25,000 per person $50,000 per incident |
| Property damage liability | $25,000 per incident |
Gainesville drivers can also purchase as much additional coverage as they desire to protect themselves and their property from injuries and damage. Consider these optional coverages:
Collision coverage
Collision coverage pays for vehicle damages if you hit a stationary object or another vehicle with your car, regardless of fault.
Comprehensive coverage
Comprehensive coverage pays for vehicle damages and repairs from non-collision events, like falling objects, severe weather, theft, and vandalism.
Medical payments coverage
Medical payments coverage pays for your and your passenger’s medical and funeral expenses from a car accident, regardless of fault.
Uninsured/underinsured motorist coverage
Uninsured/underinsured motorist coverage pays for damages and injuries you’ve sustained from an at-fault driver who doesn’t have proper insurance coverage.
Rental reimbursement coverage
Rental reimbursement coverage pays for rental car expenses when your vehicle is in the repair shop.
Towing and labor coverage
Towing and labor coverage pays for towing and roadside assistance when your car breaks down.
Georgia House Bill 221
Overpaying for car insurance can hamper your finances and make it difficult to afford the coverage you need to have the right protections while driving. Unfortunately, some companies raise rates frequently to compensate for overall losses.
Georgia Gov. Brian Kemp passed legislation in May 2023 that gave the state’s insurance and safety fire commissioner the ability to review all car insurance rate filings before it raises Georgia policyholders’ premiums.[2]
On July 1, 2023, this legislation went into effect, now preventing insurers from exploiting a loophole that allowed them to raise auto insurance rates up to 25% during a single filing.
Cheapest car insurance for drivers with an incident
If you received a speeding ticket or caused an accident with another driver, it’s likely your insurance premiums increased. Speeding tickets, driving under the influence, certain moving violations, and at-fault accidents are all incidents that can cause insurers to increase your rates.
Here are average monthly quotes from car insurers in Gainesville, based on driving record.
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Cheapest car insurance for drivers with a speeding ticket: Auto-Owners
With I-985 cutting through Gainesville, it may be easy to pull off the highway and forget to slow to the city’s lower speed limits. Unfortunately, a speeding ticket could increase your car insurance rate. Speed is a common factor in fatal car accidents, and insurers consider speeding to be a risky behavior.[3]
The average cost of car insurance for drivers with a speeding ticket in Gainesville is $299 per month for full coverage and $198 for liability only.
If you want affordable car insurance after a speeding ticket in Gainesville, check out the table below, which shows liability-only quotes from the cheapest insurers.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Clean Driving Record ▲▼ | With Speeding Ticket ▲▼ |
|---|---|---|
| Auto-Owners | $52 | $68 |
| State Farm | $56 | $72 |
| COUNTRY Financial | $57 | $76 |
| Allstate | $61 | $79 |
| USAA | $66 | $85 |
| Mile Auto | $68 | $89 |
| Progressive | $82 | $106 |
| Safeco | $88 | $116 |
| GEICO | $91 | $118 |
| Mercury | $99 | $137 |
| Clearcover | $116 | $151 |
| Liberty Mutual | $128 | $179 |
| Nationwide | $135 | $177 |
| Direct Auto | $136 | $176 |
| GAINSCO | $143 | $200 |
| AssuranceAmerica | $153 | $198 |
| National General | $165 | $215 |
| The General | $197 | $260 |
| Infinity | $198 | $265 |
| Bristol West | $199 | $260 |
| Foremost | $224 | $313 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for drivers with an at-fault accident: Auto-Owners
Maybe you’re rushing to make your flight out of Lee Gilmer Memorial Airport, or you backed into a parked car at the Atlanta Botanical Garden. Mistakes happen to many Gainesville drivers, but these incidents can be costly. At-fault traffic accidents often trigger a rate increase, even if it’s your first one.
While some auto insurance coverage policies include an accident-forgiveness component, many don’t. Rates will likely increase because your accident caused your insurer to pay for the damages or injuries.[4] In Gainesville, the average cost of car insurance for drivers with an accident is $315 per month for full coverage and $209 for liability only.
Here are the cheapest liability-only auto quotes in Gainesville for drivers with an at-fault accident on their records.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Clean Driving Record ▲▼ | With Accident ▲▼ |
|---|---|---|
| Auto-Owners | $52 | $72 |
| State Farm | $56 | $76 |
| COUNTRY Financial | $57 | $82 |
| Allstate | $61 | $84 |
| USAA | $66 | $91 |
| Mile Auto | $68 | $96 |
| Progressive | $82 | $113 |
| Safeco | $88 | $120 |
| GEICO | $91 | $125 |
| Mercury | $99 | $145 |
| Clearcover | $116 | $171 |
| Liberty Mutual | $128 | $187 |
| Nationwide | $135 | $187 |
| Direct Auto | $136 | $191 |
| GAINSCO | $143 | $188 |
| AssuranceAmerica | $153 | $205 |
| National General | $165 | $226 |
| The General | $197 | $275 |
| Infinity | $198 | $266 |
| Bristol West | $199 | $273 |
| Foremost | $224 | $327 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for drivers with a DUI: Auto-Owners
Between 2017 and 2020, more than 2,000 drivers received a DUI conviction in Georgia’s Hall County.[5] Driving under the influence of alcohol or drugs can lead to some of the highest auto insurance rates, as well as your insurance company not renewing your policy at the end of its term. Georgia may even require you to file SR-22 insurance and maintain its coverage for three years.
Gainesville drivers can expect to pay an average of $358 per month for full coverage and $238 for liability only after a DUI conviction.
Here are the most affordable car insurance companies offering minimum coverage for Gainesville drivers with a DUI.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Clean Driving Record ▲▼ | With DUI ▲▼ |
|---|---|---|
| Auto-Owners | $52 | $86 |
| State Farm | $56 | $93 |
| COUNTRY Financial | $57 | $95 |
| Allstate | $61 | $101 |
| USAA | $66 | $110 |
| Mile Auto | $68 | $113 |
| Progressive | $82 | $136 |
| Safeco | $88 | $136 |
| GEICO | $91 | $151 |
| Mercury | $99 | $152 |
| Clearcover | $116 | $193 |
| Liberty Mutual | $128 | $213 |
| Nationwide | $135 | $224 |
| Direct Auto | $136 | $226 |
| GAINSCO | $143 | $237 |
| AssuranceAmerica | $153 | $254 |
| National General | $165 | $274 |
| The General | $197 | $327 |
| Infinity | $198 | $329 |
| Bristol West | $199 | $330 |
| Foremost | $224 | $372 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for seniors: Auto-Owners
As drivers age, their experience earns them cheaper car insurance rates, starting around age 35. Unfortunately, fatal crash rates increase substantially for drivers after age 70, which then leads to an increase in rates around the age of 75. Health problems and an increased susceptibility to injury increase the likelihood of causing an accident and sustaining major injuries in an accident.[6]
Senior drivers often have lower-than-average premiums compared to many other age groups. The average cost of car insurance for senior drivers in Gainesville is $168 per month for full coverage and $112 for liability only.
The table below shows the cheapest auto insurers for older adults in Gainesville.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Liability Only ▲▼ | Full Coverage ▲▼ |
|---|---|---|
| Auto-Owners | $31 | $51 |
| State Farm | $33 | $52 |
| COUNTRY Financial | $35 | $56 |
| Allstate | $39 | $63 |
| Mile Auto | $41 | $70 |
| Progressive | $42 | $76 |
| USAA | $43 | $68 |
| GEICO | $58 | $93 |
| Mercury | $66 | $108 |
| Safeco | $67 | $104 |
| Nationwide | $75 | $121 |
| Direct Auto | $85 | $145 |
| Liberty Mutual | $89 | $158 |
| Clearcover | $91 | $162 |
| AssuranceAmerica | $97 | $163 |
| National General | $101 | $152 |
| GAINSCO | $109 | $215 |
| Infinity | $124 | $220 |
| Bristol West | $131 | $248 |
| The General | $134 | $229 |
| Foremost | $150 | $194 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for teens: COUNTRY Financial
Rates for teen drivers skew much higher than adults because young drivers lack the experience to recognize and react to road hazards. Between 2015 and 2019, speeding was a factor in 43% of U.S. teen driver and passenger car-crash fatalities.[7]
Not only do teen drivers have higher death rates, but they also increase the risk of injury or death for their passengers, other drivers, pedestrians, and cyclists. Young drivers should practice safe driving habits, drive safe vehicles, and seek discounts or policy incentives on their parents’ plans to get the cheapest rates in Gainesville.
Teen drivers in Gainesville pay an average of $425 per month for full coverage and $282 for liability only.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Liability Only ▲▼ | Full Coverage ▲▼ |
|---|---|---|
| COUNTRY Financial | $90 | $144 |
| Auto-Owners | $95 | $153 |
| State Farm | $104 | $167 |
| Allstate | $117 | $189 |
| USAA | $120 | $191 |
| Mile Auto | $141 | $241 |
| Progressive | $156 | $277 |
| GEICO | $158 | $254 |
| Safeco | $182 | $283 |
| Mercury | $189 | $310 |
| Clearcover | $230 | $412 |
| Liberty Mutual | $238 | $422 |
| Nationwide | $255 | $412 |
| GAINSCO | $267 | $529 |
| Direct Auto | $268 | $457 |
| AssuranceAmerica | $303 | $513 |
| The General | $341 | $581 |
| National General | $349 | $522 |
| Bristol West | $364 | $689 |
| Infinity | $384 | $682 |
| Foremost | $430 | $557 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
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Gainesville car insurance quotes by credit tier
Even with a clean driving record, Gainesville drivers may not get the lowest rates available if they have an unfavorable credit history. Georgia auto insurance companies are legally allowed to check your credit report and use that information as one of many factors influencing your policy eligibility and rate.[8]
Drivers with excellent or good credit usually pay cheaper rates than drivers with poor credit.
Rates by Credit Tier
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Is car insurance more expensive in Gainesville?
Car insurance is more expensive in Gainesville compared to the national average of $104 per month for liability insurance and $204 per month for full coverage. However, Gainesville has cheaper rates compared to major Georgia cities, like Atlanta and Savannah.
This could be because Gainesville has fewer residents than these cities, and insurance companies consider an area’s population when determining car insurance premiums.[9] Also, Gainesville reported fewer car accidents in 2022 than Atlanta and Savannah.[10]
More cities in Georgia
Here’s how the average cost of car insurance in Gainesville compares to rates in other Georgia cities.
City ▲▼ | Average Quote: Liability Only ▲▼ | Average Quote: Full Coverage ▲▼ |
|---|---|---|
| Athens | $136 | $205 |
| Atlanta | $226 | $295 |
| Augusta | $145 | $234 |
| Columbus | $146 | $246 |
| Lawrenceville | $182 | $279 |
| Marietta | $182 | $251 |
| Savannah | $176 | $259 |
| Woodstock | $162 | $234 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Gainesville car insurance FAQs
Learn why car insurance rates are increasing, and check out Insurify’s answers to common questions about auto coverage in Gainesville.
How much is car insurance in Gainesville, Georgia?
The average cost of car insurance in Gainesville is $142 per month for liability-only insurance and $214 per month for full coverage.
Which companies have the cheapest car insurance in Gainesville?
Auto-Owners has the cheapest car insurance in Gainesville, with a liability-only rate of $52 per month. Other affordable insurers include State Farm and COUNTRY Financial, with monthly liability rates of $56 and $57, respectively. The cheapest car insurance company for you will depend on many factors, including your age, gender, ZIP code, driving history, and vehicle.
What are the best car insurance companies in Gainesville?
Some of the best car insurance companies in Gainesville include Auto-Owners, State Farm, and COUNTRY Financial. These insurance companies have high Insurify Quality (IQ) Scores, solid AM Best ratings, and plenty of coverage options for drivers to choose from. But you should always compare quotes from different insurers to find the company that offers the right coverage at the best price for your budget.
What factors influence the cost of car insurance in Gainesville, Georgia?
Factors outside of your control that influence the cost of your car insurance in Gainesville include the city’s accident and car theft rates, the number of claims in the area, and your age. However, factors within your control are your driving record, credit score, vehicle type, and coverage options.
How much car insurance do you need in Gainesville, Georgia?
Georgia requires 25/50/25 minimum liability limits. This translates to $25,000 per person and $50,000 per accident for bodily injury liability and $25,000 per accident for property damage liability.[1]
Methodology
Insurify data scientists analyzed more than 90 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 50+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.
Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).
Liability-only premium averages correspond to policies with the following coverage limits:
- Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
- Property damage limits between $10,000 and $50,000
- No additional coverage
- Comprehensive coverage with a $1,000 deductible
- Collision coverage with a $1,000 deductible
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
Related articles
More cities in Georgia
Sources
- Georgia Office of Insurance and Safety Fire Commissioner. "Auto."
- Georgia Office of Insurance and Safety Fire Commissioner. "Governor Kemp Signs Legislation Giving Insurance Commissioner More Authority Over Auto Rates."
- NHTSA. "Speeding and Aggressive Driving Prevention."
- III. "Do auto insurance premiums go up after a claim?."
- Georgia Department of Driver Services. "DUI Data Reports."
- Insurance Institute for Highway Safety. "Fatality Facts 2021: Older people."
- Governors Highway Safety Association. "Teens and Speeding: Breaking the Deadly Cycle."
- Georgia Attorney General's Consumer Protection Division. "Credit and Debt."
- U.S. Census Bureau. "QuickFacts: Savannah city, Georgia; Atlanta city, Georgia; Gainesville city, Georgia."
- Georgia Department of Transportation. "Georgia Crash Data."
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Nick Dauk
Nick Dauk is a freelance writer specializing in business, entrepreneurship, personal finance, and travel. His work has been featured in Fox Business, BBC, The Edge, Business Insider, and Bisnow. Nick is a first-generation college graduate, having majored in Interdisciplinary Studies at the University of Central Florida. His eclectic coursework, combined with previous managerial roles in the retail and broadcast television industries, have helped him develop an interdisciplinary approach to writing.
For nearly a decade, Nick has created content for mom-and-pop businesses and global corporations. As a travel writer, his global adventures have also been featured on Inside Hook, Houston Chronicle, Culture Trip, and Matador. When he's not traveling, Nick can be found in Orlando spending time with his wife and toddler.
Courtney MikulskiSenior Editor, Auto
3+ years producing insurance and personal finance content
Main architect of the Insurify Quality Score
Courtney’s deep personal finance knowledge extends beyond insurance to credit cards, consumer lending, and banking. She thrives on creating actionable content.
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